Football Manager 2005

For this to work you must have 2 users (use the add manager function).

1 user is at the club you wish to control and the other is at a rich club (I suggest Chelsea as they start the game with £200 Million so taking £100 Million won't affect the game).

At Chelsea approach your other club with a loan offer for any player, at the offer screen set the loan fee to £100 Million, switch back to the other account and accept the loan, keep switching until the loan is agreed by both sides and your first team will be given £100 Million.

After completing the cheat retire as Chelsea manager to continue the game.

NOTE: You don't have to set the fee for the whole £100 Million it can be anything in between but if you are wanting £100 Million then I strongly recommend you take from Chelsea as taking £100 Million from any other club may alter the game too much.

Create a second manager in your game, select him to manage the team of the player that you are after (eg. If you were interested in Adriano, create a new manager to manage Inter Milan) then offer that player to your 1st manager on a free. Switch to your 1st manager and accept the offer. Keep switching between managers until eventually the player accepts a contract and joins your team for free. (player must be wiling to join your team for him to accept the contract)